2. An additional 20% in respect of VAT (if you are not VAT registered)

3. Site clearance & debris removal costs

4. Architects & other professional fees

5. A provision for inflation

On reviewing all of the above, it may not be surprising to learn that up to 80% of properties in the UK are thought to be under-insured by circa 45% of their correct insurance value.

All too often, property owners are aware of the current ‘Market Value’ of their properties, however this can differ significantly from the actual ‘Rebuild Value’, upon which policy cover is based.

How Can We Help?

Whilst, as an insurance broker we are not qualified to advise on rebuild sums insured, if you are unsure as to the rebuild sum insured, or if this has not been reviewed for some time, we can assist by arranging:

We really do urge all property owners to review the adequacy of their sums insured, as these cannot be adjusted retrospectively. Most policies carry an average condition, whereby in the event of under-insurance, a claim would be pro-rata adjusted down, in accordance with any degree of under-insurance.

Whilst property owners may be concerned that an increase in sums insured may impact on their premiums, our extensive panel of specialist property insurers, enable us to enhance covers and in many cases still propose premiums savings. Irrespective of when your policy falls due for renewal, please do contact us, to discuss and review matters further.

Alternatively, call us on 01384 442 165 , to speak directly with one of our team.

What We Can Offer

Tailored Schemes

Unique to Insurance2day, our clients benefit from our in-house delegated authority schemes – because every business is different and requires a tailored solution.

No Call Centres

Although we use a brief recorded message, we're not a call centre. In fact, should you wish to, you can pop into the office and speak to any member of our experienced team.

Same Day Cover

Our experienced team can provide same-day quotes and cover in a prompt and efficient manner for many different policies.

What Others Say

We have always found Insurance2day to be a very friendly and efficient provider to work with, showing empathy to clients/customer, whilst remaining commercially cost effective, when compared to the market place. If you need Professional Indemnity Insurance, we wholeheartedly recommend what you consider the services of Insurance2day.

A friend recommended Emma at Insurance2day. When we spoke with Emma she knew exactly what we wanted and, more importantly, the insurance companies to approach. A quotation was promptly obtained and the insurance put in place. A very impressive service.

Insurance2day have delivered above and beyond our expectations and done so without a hitch for the last 8 years. They are always available to answer any of our queries. Keep up the good work and thank you